Rosemary Fusco is a financial advisor at Morgan Stanley with 38 years of industry experience. She previously worked at UBS Financial Services for 15 years before joining Morgan Stanley Smith Barney LLC in 2025. She holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning that incorporates firm-approved tools and investment estimates to model outcomes.

Nimedia Ozinegbe is a financial advisor at Morgan Stanley with four years of industry experience. She holds the Series 66 designation and previously worked in the Athletics Finance Office at the University of Pennsylvania. Outside of finance, she is a partner in Send Your ETA LLC, an art and culture business focused on marketing and event planning. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide array of advisory programs supported by structured discovery conversations and firm-approved planning tools.

Meghan Kristensen is a financial advisor at Merrill with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and various types of institutional investors.

Juan Franco is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and previously worked for Sportime Clubs LLC, where he also occasionally coaches tennis outside of business hours. Ameriprise is a large institutional firm offering retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement recommendations through a centralized consulting team.

Bryant Vallat is a Vice President and Financial Consultant at Fidelity Investments. In his role, he assists clients and their families in making financial decisions aligned with their long-term goals and visions. He collaborates with clients to build and maintain financial plans and identifies opportunities to enhance those plans. Bryant has been with Fidelity Investments since 2016, progressing through roles including Financial Representative, Retirement Solutions Representative, Investment Consultant, Financial Consultant, and currently Vice President and Financial Consultant. His experience encompasses various aspects of financial consulting and investment advising. Outside of his professional responsibilities, Bryant has interests in baseball, football, golf, and family activities.

John Huber is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2022, bringing experience from his previous roles at Citi Private Bank in New York City, where he served as Investment Specialist, Head of the Investment Solutions Desk, and Director, Investment Counselor within the High Net Worth Group. John specializes in wealth management strategies that address areas such as insurance, estate planning, asset allocation, tax consequences, trust services, cash flow in retirement, and liability management. He works closely with clients to develop flexible strategies tailored to their evolving financial goals and circumstances. He holds the Personal Investment Advisor (PIA) designation and earned his high school diploma from Columbia. Outside of his professional work, John lives in Montclair, New Jersey with his family and has volunteered for eight years as a coach for the Montclair Lacrosse Club.

Steven Sheresky is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at City National Bank, RBC Capital Markets, LLC, and Morgan Stanley. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

David Ball is a financial advisor with UBS Financial Services in Stamford, CT, holding a Series 66 designation and 23 years of industry experience. He has worked at UBS since 2002. Outside of his advisory role, he serves on the Board of Directors and as an advisor for Family Centers, a nonprofit organization focused on education and human services for children, adults, and families. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and research from its Chief Investment Office and UBS Global Research to tailor financial plans to clients’ goals and risk tolerances.

Mark Abraham is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors. He previously worked at Arbor Point Advisors and Securities America Inc. for nine years. Abraham is also active in his community as a board member for the Edgemont at Tarrytown condominium development and holds roles on multiple boards and committees. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing various portfolio management platforms and both proprietary and third-party investment strategies.

Rachel Constant is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2021. Her prior roles include positions at Villanova University and Orono Senior High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including customized financial planning, and manages approximately $2.74 trillion in client assets.

Joseph Daly is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Morgan Stanley. He previously worked at UBS Financial Services, Inc. for 11 years. Outside of his advisory role, he has been involved as a lacrosse instructor and coach since 2011. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and methodologies, including Monte Carlo simulations and Secular Return Estimates.

Nilay Patel is a financial advisor with Mass Mutual Investors Services in Tarrytown, NY, holding a Series 63 designation and 12 years of industry experience. He has worked at Mass Mutual Investors Services since 2019 and previously held roles at Foresters Financial and First Investors Corporation. Outside of his advisory work, Patel is a partner in Envy Motorsports LLC, an exotic car rental business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring client relationships with collaborative, goal-oriented planning engagements.

Jon Covlin is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliates since 2007. In addition to his financial services career, Covlin has been involved with Cascade Linen Service since 1987. Morgan Stanley Wealth Management delivers a wide array of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a comprehensive investment framework. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Dustin Miller is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to his current role, he worked at Pynt Inc. and served in the United States Army for 14 years. He also has experience with Healthbus, LLC and has taken a career break during 2023 to 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, employing structured planning tools and a variety of advisory programs.

Elizabeth Kennedy is a financial advisor at Edward Jones in Woodcliff Lake, NJ, with 12 years of industry experience. She holds a Series 66 designation and previously worked at Bank of America/Merrill Lynch for four years. Outside of her advisory role, she owns a second home in the Catskills. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and affiliated investment products, supported by a large network of financial advisors and branch offices nationwide.

Daniel Sirota is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds a Series 66 designation and has held positions at Jpmorgan Chase Bank, First Republic Investment Management, Bank of America, and Merrill. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Amy Wallack is a financial advisor at Merrill with 31 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations and has been with Merrill since 1995. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Gaviser is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His prior roles include positions at Mantle Ridge LP, Navab Capital Partners, and Kohlberg Kravis Roberts & Co. He also operates Gaviser Advisory, a consulting business providing strategic advice to multiple firms. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and a range of advisory programs supported by structured planning tools and extensive investment resources.

Kyle Nolan is a Series 66-registered financial advisor with Morgan Stanley, based in Greenwich, CT, with seven years of industry experience. He has worked at Morgan Stanley Private Bank since 2019 and has prior involvement with organizations such as Kitu Life Inc. and football clubs in Tampere and Lisbon. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and analysis methods.

Zachary Bognar is a financial advisor with Wells Fargo Clearing in Stamford, CT, holding Series 63 and Series 66 credentials and eight years of industry experience. His prior roles include positions at TD Private Client Wealth LLC, Northwestern Mutual Investment Services LLC, JP Morgan Chase, and Charles Schwab and Company. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party databases to support its investment approach.